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PHI may be disclosed for any purpose if an authorization that satisfies all of HIPAA ' s requirements for a valid authorization is provided by the participant . All uses and disclosures made pursuant to a signed authorization must be consistent with the terms and conditions of the authorization . 9 . Complying With the " Minimum-Necessary " Standard HIPAA requires that when PHI is used or disclosed, the amount disclosed generally must be limited to the "minimum necessary" to accomplish the purpose - of the use or disclosure . • For each of the following recurring disclosures . benefit enrollment /changes , audits , . claim resolution, obtaining identification cards , and responding to legal requests , the identifiers will be as follows : social security, medical records , account and health plan beneficiary numbers , names , geographic units , dates , ages over 89 , phone/fax numbers , email addresses and any other unique identifiers . The persons who may receive the PHI will be account representatives , claims adjusters , attorneys , . nurses , physicians , managers , supervisors , auditors , underwriters , insurance brokers , and the Human Resource designated staff. The conditions will be as follows : • determination of eligibility, coverage and cost sharing amounts (for example , cost of a benefit, plan maximums and co -payments as determined for an individuals claim) ; • coordination of benefits ; • adjudication of health benefit claims (including appeals and other payment disputes) , • subrogation of health benefit claims , • establishing employee contributions , • risk adjusting amounts due based on enrollee health status and demographic characteristics • billing , collection activities and related health care data processing; • claims management and related health care data processing, including auditing payments , investigating and resolving payment disputes , and responding to participant inquiries about payments ; • obtaining payment under a contract for reinsurance (including stop - loss and excess of loss insurance) ; • medical necessity reviews or reviews of appropriateness of care justification of charges , • utilization review, including pre-certification, preauthorization, concurrent review and retrospective review ; • disclosure to consumer reporting agencies related to the collection of premiums or reimbursement (the following PHI may be disclosed for payment purposes ; name and address , date of birth, Social Security number, payment history, account number, and name and address of the provider and/or health plan) . 11